PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest car insurance in Ellenwood, Georgia (Nov 2024)
Cheapest car insurance in Ellenwood, Georgia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Ellenwood, Georgia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Ellenwood
- Cheapest Ellenwood car insurance for good drivers
- Best Car Insurance Companies in Ellenwood
- Best cheap car insurance quotes in Ellenwood
- Average cost of car insurance in Ellenwood
- Average cost of car insurance in Ellenwood by zip code
- Car insurance quotes in Ellenwood by rating factors
- How do different factors impact your car insurance costs in Ellenwood?
- Cheap car insurance quotes in Ellenwood after driving violations
- Cheap car insurance quotes in Ellenwood by age
- Cheap car insurance quotes in Ellenwood based on insurance history
- Cheap car insurance quotes in Ellenwood for popular cars
- How to lower car insurance costs in Ellenwood
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Ellenwood
On average, car insurance in Ellenwood costs about $125 per month for minimum coverage liability insurance, and about $248per month for full coverage insurance. Ellenwood drivers pay 38% more than the average rate in Georgia.
There’s no finding the one and only
cheap car insurance company in Georgia
. Your ideal auto insurance provider depends on your driver profile, your credit score, your vehicle, and, of course, where you live! That's why it's essential to compare multiple quotes to find the best coverage at the most affordable price.In Ellenwood,
Jerry
is the go-to destination for thousands of savvy car insurance shoppers. We’ve made it simple to compare and buy car insurance
—without endless paperwork, phone calls, or confusion!| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Safeco | $183 | Corey, 39 Zip: 30294 | Porsche Macan Turbo | • 15,000/30,000 Liability • Comp / Collision |
| Nationwide | $268 | Jonathan, 26 Zip: 30294 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
Gainsco | $315 | Chester, 40 Zip: 30294 | Hyundai Elantra SE | • State Minimum Liability |
| National General | $255 | Lola, 36 Zip: 30294 | Toyota Corolla | • State Minimum Liability |
Last Updated Nov 19, 2024Cheapest Ellenwood car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Ellenwood can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Irvin, 25 | 92 | 33% | No |
|
Erick 34 | 85 | 25% | No |
|
Billie, 44 | 92 | 39% | No |
|
Matthew, 54 | 77 | 23% | No |
|
Angela, 64 | 74 | 20% | No |
|
Best Car Insurance Companies in Ellenwood
Looking for the most competitive car insurance rates in Ellenwood? Jerry conducted one of the nation's largest insurance shopping surveys to find the answer to that very question.
We discovered that
GEICO
and State Farm
hold the biggest market shares, but they’re not necessarily the best insurers for every driver. Drivers in Ellenwood rated smaller insurance companies like Clearcover, Gainsco,
Safeco
, and Mercury much higher than the big-name carriers. State Farm and GEICO scored 3.4 and 3.3 out of 5.0 for policy costs, while Mercury Auto scored a perfect 5.0 for both policy costs and customer service. The table below shows how drivers in Ellenwood rated different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 4 | 4.4 |
| State Farm | 4.2 | 3.6 | 4.5 | 4 |
| Geico | 3.9 | 3.2 | 3.6 | 4.1 |
Liberty Mutual | 3.7 | 2.5 | 3 | 3.7 |
| USAA | 3.3 | 2.7 | 4 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Ellenwood
Georgia’s minimum car insurance requirements
reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Ellenwood. However, minimum liability coverage provides minimal financial protection.You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Peach State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Georgia, and how it could affect your policy choices in Ellenwood.
Cheap minimum liability insurance quotes in Ellenwood
The minimum liability coverage requirements in Georgia—and by extension, Ellenwood—are 25/50/25.
In other words, you’ll need to buy a policy that provides at least:
- $50,000 of bodily injury liability coverage per accident
Sticking with the minimum required liability coverage often means paying the lowest rates. Here are some of the deals Jerry helped Ellenwood drivers to find:
Earl (36 years old)
$197
per month
Mark (60 years old)
$138
per month
Randy (50 years old)
$195
per month
Do you need more than minimum coverage in Ellenwood?
Drivers in Ellenwood should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident in downtown Ellenwood, medical and vehicle repair expenses could easily add up, especially if someone is seriously injured. If anything exceeds your coverage limits, you’ll have to pay it out-of-pocket. Moreover,
Georgia’s car accident laws
allow injured parties to sue for a variety of damages up to two years after a collision.The bottom line: Consider 50/100/50 or 100/300/100 liability coverage limits for better financial protection.
Cheap full coverage car insurance quotes in Ellenwood
There’s no law requiring
full-coverage car insurance
, but it provides a way to pay for repairs or replacements to your vehicle.A full coverage policy includes
collision coverage
and comprehensive coverage
. Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. Comprehensive coverage does the same thing, but it only applies to damages caused by theft, vandalism, or natural disasters.If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Ellenwood.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | AAA | $452 | Bertie, 24 Zip: 30294 | Toyota Scion FR-S |
• State Minimum Liability • Comp / Collision | Bristol West | $289 | Juan, 50 Zip: 30294 | Ford Mustang GT |
• State Minimum Liability • Comp / Collision | Assurance America | $214 | Sue, 28 Zip: 30294 | KIA Sorento |
Last Updated Nov 15, 2024Using a car insurance comparison app or website is the fastest way to compare car insurance quotes online. With the Jerry app, you’ll be able to find savings and get the answers to all your questions from a team of 100+ licensed agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Ellenwood
After helping thousands of Ellenwood drivers find car insurance, we can confidently say the average cost of minimum liability coverage is around $125 per month or $1,500 per year.
The average cost for full coverage insurance in Ellenwood increases to $248 per month or $2,976 per year.
Ellenwood average insurance rates can help you build a budget, but they aren’t the whole story. Every driver’s insurance premiums are determined by a ton of factors, including the type of car they drive, their driver profile, and their claims history. Don’t be surprised if you end up spending more—or less if you comparison shop!
Car insurance quotes in Ellenwood by rating factors
- Your driving record and claims history: Accidents and tickets will increase your insurance rates.
- Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
- Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
- Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
- Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.
How do different factors impact your car insurance costs in Ellenwood?
How do different factors impact your car insurance costs in Ellenwood?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.
Prohibited (or effectively prohibited): Education, occupation, employment status.
Learn more about the car insurance rating factors in Ellenwood:
Cheap car insurance quotes in Ellenwood after driving violations
Driver violation points can have a significant impact on your insurance rates. The more points you have, the more high-risk your
Georgia driving record
. If you’re struggling to find affordable rates, here’s what to look for:Cheapest car insurance in Ellenwood after DUI
Committing a
DUI in Georgia
comes with longer-lasting consequences than a ticket, a jail sentence, and a license suspension. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums for many years.If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Ellenwood even after a DUI conviction.
Cheapest car insurance in Ellenwood after an at-fault accident
A few at-fault accidents in your driving history can add many more dollars to your monthly car insurance bills. Auto insurance providers use your
Georgia driving record
to predict how many claims you might make (and how much money you could cost the company); if you appear to be a high-risk investment, they’ll charge you high premiums.With Jerry’s help, drivers in Ellenwood found savings with these companies after their at-fault accident:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | National General | $144 | Bradley, 49 Zip: 30294 | Chevrolet Silverado C1500 Classic | • State Minimum Liability |
At Fault With No Injury | Progressive | $64 | Edward, 29 Zip: 30294 | Toyota RAV4 | • State Minimum Liability |
Not At Fault | Safeco | $263 | Cordelia, 34 Zip: 30294 | Chevrolet Malibu LT | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $138 | Virgie, 53 Zip: 30294 | Honda Accord Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Ellenwood after other driving violations
Other moving violations, such as driving without a license, stunt driving, or
reckless driving in Georgia
come with their fair share of car insurance woes. If you’ve been hit with traffic tickets and high premiums, here are some of the best companies in Ellenwood to check for savings:| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $185 | Kenneth, 28 Zip: 30294 | Acura TL | • State Minimum Liability |
Failure to Yield | Allstate | $233 | Robert, 57 Zip: 30294 | Hyundai Azera | • 50,000/100,000 Liability • Comp / Collision |
Careless Driving | Progressive | $149 | Nelle, 32 Zip: 30294 | Ford Mustang | • State Minimum Liability |
Failure to Yield | Travelers | $173 | William, 35 Zip: 30294 | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Mercury | $162 | Emily, 27 Zip: 30294 | Jeep Compass Trailhawk | • State Minimum Liability • Comp / Collision |
Last Updated Nov 15, 2024Cheap car insurance quotes in Ellenwood by age
Car insurance rates follow an inverse bell curve as you age—they start high when you're a teen driver, drop in the middle, and then rise again as you become a senior driver.
Cheapest car insurance in Ellenwood for young drivers
In general,
teen drivers
between 16 and 19 pay the highest insurance rates of any demographic because they are the most likely to be involved in a car accident. If you’ve got a young driver on your insurance policy, consider investing in full-coverage car insurance. You can offset the extra cost by shopping with Jerry for the cheapest car insurance for young drivers in Ellenwood.
Rebecca (20 years old)
$304
per month
Beulah (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Ellenwood, GA (Zip Code: 30294)
$260
per month
Cheapest car insurance in Ellenwood for senior drivers
Car insurance rates for senior drivers climb after their 70th birthday for several reasons:
- They may experience a decline in vision, hearing, and reaction time
- They are at an increased risk of being involved in a car accident
- They are more likely to suffer severe injuries in a collision
The best car insurance companies for seniors
in Ellenwood offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.Elijah (65 years old)
$106
per month
Harriet (66 years old)
CoverageState Minimum
Ellenwood, GA (Zip Code: 30294)
Volvo XC90$170
per month
Cheap car insurance quotes in Ellenwood based on insurance history
Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates.
With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Ellenwood.
Gertrude (27 years old)
$190
per month
Jack (46 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Ellenwood, GA (Zip Code: 30294)
$161
per month
Alta (52 years old)
Currently Insured
CoverageState Minimum
Ellenwood, GA (Zip Code: 30294)
Mitsubishi Outlander Sport ES$644
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Love Geico! Will stay with them for life!
Kristopher
Great Customer Service.
PJ
Very friendly and helpful agents.
Rine
Excellent and easy to use.
Angie
Cheap car insurance quotes in Ellenwood for drivers with poor credit
Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers will see their insurance rates increase if their credit score is 550 or less.
Compared to their poor credit counterparts, Ellenwood drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $64 | Roy, 29 Zip: 30294 | Toyota RAV4 | • State Minimum Liability |
660 - 750 | Allstate | $308 | Margaret, 22 Zip: 30294 | Hyundai Accent GLS | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Mercury | $226 | Isaac, 22 Zip: 30294 | Hyundai Accent GLS | • State Minimum Liability |
550 - 659 | Travelers | $173 | Clyde, 35 Zip: 30294 | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
< 550 | National General | $195 | Georgie, 62 Zip: 30294 | Infiniti Q50 Premium | • State Minimum Liability |
Last Updated Nov 17, 2024Cheap car insurance quotes in Ellenwood for popular cars
Your vehicle plays an important role in determining your annual insurance premiums. High safety ratings and vehicle anti-theft devices make your car safer to drive, harder to steal, and cheaper to insure.
These five models won the Ellenwood popular vote with high scores in all three categories:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 ST | Progressive | $296 | Eddie, 37 Zip: 30294 | • 50,000/100,000 Liability • Comp / Collision |
| Toyota RAV4 | Travelers | $99 | Glen, 29 Zip: 30294 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Ellenwood for new vs. old car
It's usually less expensive to insure an old car than a new one. We have found that the average insurance cost for a car older than 10 years is $210 per month in Ellenwood. The average cost for insuring a car less than four years old goes up to $332 per month.
Earl (36 years old)
$197
per month
Blake (49 years old)
$109
per month
Clearcover
Bernice (32 years old)
2019 Ford Fusion SE
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Ellenwood, GA (Zip Code: 30294)
$270
per month
Safe Auto
Jeremy (24 years old)
$495
per month
Metlife
Ella (33 years old)
2015 Mazda 3 Sport
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Ellenwood, GA (Zip Code: 30294)
$211
per month
How to lower car insurance costs in Ellenwood
1. Shop around and compare quotes
Unless you compare auto insurance quotes, you can't be 100% sure that you're getting the best deal. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.It may seem like a huge task, but Jerry makes it quick! Sign up in 45 seconds and compare five to seven quotes in less than a minute. You get all the benefits of comparison shopping without having to invest any time or money.
2. Hunt for car insurance discounts
Getting the right
car insurance discount
can transform a good rate into a great one. You could save by joining a program for:- Good drivers. If you’ve held aclean driving recordfor at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
What is the cheapest car insurance in Ellenwood?
Based on thousands of Ellenwood drivers Jerry has worked with, car insurance in Ellenwood costs an average of $125 per month for state-minimum coverage and $248 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
How much is car insurance in Ellenwood?
People living in Ellenwood pay on average $135 per month – or $1,615 per year – on state-minimum liability coverage. Full coverage in Ellenwood costs on average $251 per month or $3,016 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Ellenwood?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Progressive
, and Kemper
receive good ratings from Ellenwood drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Ellenwood, Georgia?
The state-minimum car insurance in Ellenwood, Georgia is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.